The Study Of The Construction Of The Online Transaction Platform Of The SPD Bank And The JC Trans Web

In recent years, accompanied by the pure physical economy’s accelerated integrate with the Internet to achieve a fusion economy, the pure virtual economy has been developing rapidly. The Internet payment and the mobile payment was gradually becoming the main settlement method. The big data has broken the present situation of information asymmetry and reduced the transaction cost. The Internet finance has a unique management pattern and a novel value-creation method. As a result, the Internet finance has transformed the financial industry from the aspect of financial transaction form as well as the finance architecture, and has formed a direct impact to the traditional service of commercial banks. The Internet finance which possesses the features of the interest rate marketability and the credit digitization challenges the commercial banks while initiates huge opportunities. Some commercial banks are developing the financial search and the platform for financial product sales to create the new profit point of growth by virtue of e-commerce.This article is based on the JC Trans Web-SPD Bank online transaction platform. In this article, we study the operation mode of this brand new e-commerce platform, analyze the approach for commercial banks to pioneer new business under the tide of the Internet, discuss about the new world created by the collaboration of these two companies, and seek a new outlet for commercial bank’s development.Firstly, we conduct a basic introduction of the JC Trans Web, the SPD Bank and its related financial product and service. Then, we analyze the necessity of the JC Trans Web-SPD Bank online transaction platform from the perspective of the JC Trans Web, the SPD Bank and micro, small and medium enterprises. Next we go into the concrete construction procedure of the platform. Finally we propose the long-term forecast about the platform’s development.